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In December's edition we bring you our Festive Pack competition with some great prizes on offer, there's some timely advice from ME on the dangers of 'buy now, pay later' and there's news on how to save money with our Member Benefits program. Enjoy the holidays and we will catch you again in 2018!

Daniel asks: What’s the go with work functions? There were drinks last week for one of the people who were retiring.My boss was there and most of the staff. I got a bit trashed and started making comments to one of the women I work with in front of everyone. I was being funny and I was just having a laugh and a flirt with her but she got all upset and carried on. I guess I should say sorry but surely it’s not a work issue as it happened after hours?

Wassim asks: I'm going to start an apprenticeship to be a mechanic next month. I'm worried because I can’t afford to take time off from work to go to TAFE. My sister says I should be paid when I go to TAFE. Is she right?

Warren asks: I’ve been called in for a meeting tomorrow morning. They say it’s because I haven’t followed safety procedure at work as I wasn’t wearing my goggles. I just forgot. He’s being pretty heavy handed I reckon as I only would've‘needed them on for about 5 minutes anyway. What can I do?